£5 extra in your cash ISA* - Smart money app

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Cash ISA: the total interest rate of 4.68% AER (4.63% gross) is made up of a base rate of 2.54% AER (2.52% gross) plus a bonus rate of 2.14% AER (2.11% gross), which is available to new customers only and applies for the first 12 months from account opening, after which the bonus rate will end and the account will earn the base rate only. Lifetime ISA (LISA): the total interest rate of 4.68% AER (4.63% gross) is made up of a base rate of 3.11% AER (3.07% gross) plus a bonus rate of 1.58% AER (1.56% gross), which is available to new customers only and applies for the first 12 months from account opening, after which the bonus rate will end and the account will earn the base rate only. The LISA interest bonus rate is separate from, and in addition to, the 25% government bonus. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest payable before taxation.